Accessing Finance in Kenya

Most women in Kenya work in the agricultural sector and produce most of the agricultural produce in the country. However, when it comes to accessing credit and other forms of agricultural finance, women’s access drops quickly.

Within the non-agricultural sector of the informal economy, women are also very active in informal cross-border trade, where they are involved in a large volume of the goods traded across borders. Similar to those in the agricultural sector, women in informal cross border trade face several huddles in accessing finance.

Public and private institutions in Kenya have identified women’s challenges in accessing finance and have established various programmes to bridge the gap.


Brief description

This facility is directed at supporting the applicants’ working capital needs as well as acquisition of production assets. Alongside the financial investment, we shall provide business support and learning facilities to improve the productivity of successful beneficiaries in the following ways: investments in production, inventory and logistics technologies; support increasing the unit value of a product by product development; and increasing access to necessary post-production capacities.


HEVA Women’s Fund


Brief description

This is a Young Women in Creative Industries Fund giving up to 1,000,000/- KES in loans and technical assistance – in collaboration with JENGA CCI /Goethe-Institut Kenya

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Ceiling amount

Up to 1,000,000 KES.


  • Key requirements for each application are:
  • You must be a Kenyan citizen resident in Kenya, with a business that is legally registered and operational in Kenya.
  • You must have been in business for at least 2 (two) years*.
  • Your business must be women-owned or have majority shareholding amongst women
  • Your business must trade in one of the following arenas:

Fashion and apparel manufacturing
Digital media, television and film
Live music events, festivals, fairs and markets
Hair, beauty and cosmetic products
Creative arts educational enterprises

  • You must have financial records for at least a year, e.g M-pesa statements, bank statements, audits, etc.
  • You must have at least one other full-time or part-time employee other than yourself.

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Pioneer Point

Chania Avenue

Nairobi, Kenya


+254 (20) 4400 870


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The African Development Bank partners with EAC, COMESA & ECOWAS Regional economic blocks to implement the 50 Million African Women Speak Networking Platform Project.The platform is intended to empower millions of women in Africa to start, grow, and scale up businesses by providing a one-stop shop for their specific information needs. Click on the image for more information


50MAWS Project engages East African Financial institutions for more financial inclusion. Click on the photo above for the full story